I need some help interpreting the language in this letter.

Customer Question

I need some help interpreting the language in this letter. It is from the banks attorney.They started foreclosure on my property about a year ago due to my being behind with my taxes. I filed for Chapter 13 protection right away, but I didn't keep up with the payments and my case was dismissed last month, I understand that they are now able to continue with the foreclosure process, but I got this letter a few days ago. I'm not really sure what it is saying. The letter was too big to attach, but I have typed the part below that I am unclear on.

A motion will be made at a term of this court to be held in and at the Schenectady Courthouse for the court to appoint a referee to ascertain and fix the amount due for a summary judgment striking the answer of this defendant, and for such other and further relief as may be just and proper.

It's passed the beginning stages, and they are trying to get the numbers set. Once done, they will move for judgment then motion to sell thereafter. Talk to your real estate attorney and they can confirm how much time you are l

I won't be hiring a real estate attorney. That's why I'm asking the questions on here. I am not in a position to spend any money on this house matter. I will try to sell the house, but if I can't sell it they can't sue me for any deficiency because the house was discharged in 2010 in a chapter 7 bankruptcy.

Customer:replied 2 years ago.

It usually takes 4- 6 months to sell a property

Customer:replied 2 years ago.

Could you explain what you mean by a judgment to motion and sell thereafter?

If the home was in a prior ch7, then you are all set. Once the creditor gets all of the figures in line, then they will bring a motion for judgment on the foreclosure. Once it goes to judgment, then they bring a motion to set up the sale.Let me know if you have any questions.

I will tell you that...the things you have to go through to be an Expert are quite rigorous.

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